How Much is Motorcycle Insurance in Texas?

If you’re on the verge of purchasing motorcycle insurance in Texas, knowing how much it costs is essential for setting a budget and finding the best coverage options within your needs. 

If you’re not properly aware of the motorcycle insurance rates, you may purchase inadequate coverage which may not provide sufficient financial protection. Or you may end up spending more on unnecessary motorcycle insurance coverage.  

Either way, it could leave you without the right protection when you need it most. So, this article covers the average motorcycle insurance costs in Texas, to help you make informed decisions for getting the best coverage at the right price.

How Much Does Motorcycle Insurance Cost in Texas?

When it comes to determining motorcycle insurance costs, it can typically vary based on your choice of coverages, location, and age. Let’s break down what you can expect and how these elements influence your rate.

Looking for an affordable insurance agency that provides cheap motorcycle insurance with the best coverage? Consider checking L.A. Insurance’s motorcycle insurance plans.  

Minimum Motorcycle Insurance Cost in Texas

If you’re willing to spend the bare minimum on motorcycle insurance, then the minimum liability only insurance is an option to consider. The average cost of minimum liability only motorcycle insurance in Texas will cost you $70 to $100 or more per year.

By law, Texas requires the following minimum liability coverage:

• $30,000 in bodily injury liability coverage per person
• $60,000 in bodily injury liability per accident
• $25,000 in property damage liability

While the minimum liability only motorcycle insurance meets the state’s requirements, it may not be adequate enough to cover the damages that you’re liable for to others after an at-fault accident. Also keep in mind that it only covers damage you cause to others and doesn’t protect your own bike or medical expenses.

Cost of Full Coverage Motorcycle Insurance

Typically, full coverage motorcycle insurance is an umbrella term that commonly includes the following types of motorcycle insurance coverage.

• Mandatory Liability Motorcycle Insurance
• Motorcycle Collision Insurance
• Motorcycle Comprehensive Insurance
• Uninsured/Underinsured Motorist Coverage

Apart from these 4 common motorcycle insurance policies, for increased financial protection you can also get gap insurance, medpay insurance, motorist coverage, roadside assistance coverage etc.

In Texas, full coverage insurance can cost an average of $46 per month, or $552 or more per year. The exact rate will depend on factors like your insurer, the combination of mandatory and optional coverages, and the coverage limits you choose.

Average Motorcycle Insurance Cost by City

The average cost of motorcycle insurance significantly varies from one city to another. Texas is the 2nd largest state in the US with 971 cities of varying sizes. Insurers apply regional pricing to adapt to local demands particularly based on risk factors such as the number of traffic crashes, injuries, deaths, and most importantly the overall number of insurance claims.  

Typically, cities that have a higher population density, complex urban traffic systems and increased road activity often experience more accidents, leading to higher insurance costs. Additionally, local weather conditions and crime rates can contribute to increased claims, further impacting premiums.

Based on our own research, and the data acquired from ValuePenguin, the table below ranks Texas cities from the highest to lowest rates for full coverage motorcycle insurance.  

From this comparison, the following includes the 3 most expensive, and 3 cheapest cities for full coverage motorcycle insurance in Texas.

3 Most Expensive Cities for Motorcycle Insurance in Texas:  

• Pasadena: $58 (24% above average)
• Baytown: $56 (20% above average)
• Houston: $55 (18% above average)

Also Read: Is Motorcycle Insurance Expensive?  

3 Cheapest Cities for Motorcycle Insurance in Texas:  

• Midland: $39 (15% below average)
• Brownsville / Harlingen / Mission: $40 (13% below average)
• Amarillo: $41 (12% below average)

Motorcycle Insurance Cost by Age 

When it comes to determining motorcycle insurance cost by age, it is a universal fact that throughout the US the youngest riders consistently pay the highest premiums. This is mainly because young and less experienced riders are statistically more likely to be involved in traffic accidents, leading to higher insurance claims from younger age groups.  

As motorcycle insurance significantly varies by age in Texas, here’s the average cost of full coverage motorcycle insurance by age.  

• 16-year-old: $121 per month, or $1,452 per year
• 18-year-old: $75 per month, or $900 per year
• 21-year-old: $56 per month, or $672 per year
• 25-year-old: $16 to $42 per month, or $200 to $500 per year  

Based on the comparison above, the average cost of motorcycle insurance is higher for younger riders with costs sharply declining as riders gain age, and more experience.  

Motorcycle Insurance Rate: Texas vs National Average

The national average rate of full coverage motorcycle insurance is $33 per month, and the average cost of motorcycle insurance in Texas is $46 per month, which is 39% higher than the national average.  

According to the Texas Department of Transportation, as of 2024 there have been 9,094 motorcycle accidents in Texas, which resulted in 2,422 injuries, and 562 fatalities.  

Based on motorcycle accident trends in previous years, there have been 8,452 motorcycle accidents in 2022 with 2,423 serious injuries and 562 fatalities. And, in 2023, there have been 8,726 motorcycle accidents with 2,483 serious injuries and 599 fatalities.

According to the NSC, Texas ranks the 3rd highest for motorcycle accident deaths in the US. The alarmingly high number of motorcycle accidents, injuries and deaths leads to increased motorcycle insurance claims in Texas, and that’s the reason motorcycle insurance premiums are significantly higher than the national average.

Factors Affecting Motorcycle Rate in Texas

Insurance companies in Texas consider several factors when it comes to determining motorcycle insurance rates. Apart from location, every other factor depends on your individual record, and based on these factors insurance agencies will give you a quote for your motorcycle insurance.

Here are the key factors that affect motorcycle insurance rates in Texas.  

• Location: Your location is among the most crucial factors for determining motorcycle insurance rates. As Texas is a huge state, insurance rates significantly vary across cities, town and villages depending on area wise accidents, and insurance claims.  
• Age and Riding Experience: The youngest riders pay the highest motorcycle insurance rates in Texas, as younger riders are considered more inexperienced with a track record of higher motorcycle accidents, leading to increased claims.
• Riding Record: Your motorcycle insurance rate will significantly vary on your riding record, if you have been involved in motorcycle accidents, or if you have faced legal penalties such as fines or speeding tickets for traffic violations then it can increase your motorcycle insurance rate.
• Choice of Coverage: If you purchase the minimum liability-only coverage then it would cost you the least, however if you opt for full coverage or make a combined mix of multiple types of motorcycle insurance then your rate will depend on your choice of coverage, and their limits.
• Type of Motorcycle: Usually cruiser motorcycles, scooters, and mopeds are the cheapest to insure, whereas tour and sports motorcycles with bigger engines, and more expensive body parts require a much higher motorcycle insurance rate due to high repair and replacement cost.
• Insurance Claims History: The more you claim your motorcycle insurance the riskier you’re considered to insurance companies, especially if it’s more frequent. So, the more insurance you claim, the higher your rate’s likely to be in the following year.
• License Status: You must have a valid motorcycle license or learner’s permit to get motorcycle insurance in Texas. If your motorcycle license is suspended, then you will have to acquire the SR-22 certificate to be insured which only provides liability-only coverage at a much higher rate.
• Credit Score: Your credit score reflects whether you pay your credit card bills, or dues before or within the due date. So, having a good credit score means you pay your dues on time, and a bad credit score means you delay deferred payments. 

Tips to Get Cheap Motorcycle Insurance in Texas

Motorcycle insurance in Texas is relatively more expensive compared to many other states in the US. Regardless, as motorcycle insurance rates vary depending on various individual factors, there are ways you can significantly reduce it by following some effective steps.

So, to get motorcycle insurance rates at a lower rate in Texas, here are some tips that you should consider.

• Complete a Motorcycle Safety Training (MOST) Course: By attending a motorcycle safety course, you will proactively learn how to ride safer and avoid accidents with a certificate that proves that you’ve taken steps to be a more responsible rider.
• Maintain a Clean Riding Record: A clean riding record with no accidents, or traffic violation portrays you as a low-risk rider, and that will give you an advantage of getting lower motorcycle insurance rates.
• Join an Established Motorcycle Club: You can consider joining a motorcycle club, there are many motorcycle clubs that are affiliated with various insurance companies which can help you get exclusive discounts and other offers.
• Choose the Right Coverage: Only buy coverage that you need, overspending on different types of coverage and significantly higher limits can increase your motorcycle insurance rate. Do some research or consult with insurance agents to understand the right motorcycle insurance coverage based on your needs for adequate financial protection.
• Opt for Usage-Based Motorcycle Insurance: If you ride less than 7,500 miles per year, you can consider getting usage-based motorcycle insurance, also known as telematics insurance coverage. This can help you save up to 40% on motorcycle insurance premiums.
• Seek Discounts and Bundle Offers: Ask your insurer whether you’re eligible for discounts or any lucrative bundle offers. Often insurers offer discounts and offers for low-risk riders.
• Consider Motorcycle Insurance Deductibles: By opting for a higher deductible, you can lower your motorcycle insurance premiums. But be careful, the higher the deductible the more the risk for out-of-pocket expenses.

Read More: Do You Need Motorcycle Insurance in Florida? 

Final Tip: Stay Informed, and Stay Insured with L.A. Insurance

If you have recently started exploring motorcycle insurance coverages in Texas, it can surely get confusing especially if you’re unaware of the average cost. So, that’s why it is crucial for you to be well aware of the average minimum liability, and full coverage insurance rates based on your location, age, and other individual factors. 

Even with the acquired knowledge, figuring out a practical motorcycle insurance rate can be quite overwhelming. If you’re looking for expert opinion, help, or a discussion to determine your motorcycle insurance cost, you can find our local agent nearby or fill in the contact form with your query to get a free quote.  

FAQ 

How much is the average motorcycle insurance in Texas?

The average cost of minimum liability-only motorcycle insurance in Texas ranges from $70 to $100 or more per year, and the average cost of full coverage motorcycle insurance is $46 per month, or $552 or more per year.

How much is motorcycle insurance per month on average in Texas? 

The monthly average rate of full coverage motorcycle insurance in Texas is $46 which is 39% higher than the national average of $33 per month.

Is motorcycle insurance required in Texas?

According to the Texas Department of Insurance, it is legally mandatory to have motorcycle insurance in Texas. You’re required to carry at least the minimum-liability only insurance coverage in Texas which includes $30,000 per person, $60,000 per accident and $25,000 for property damages. 

Can you buy a motorcycle without insurance in Texas?

It actually depends on the dealership, or the seller. If the seller does not ask for proof of motorcycle insurance, then you can buy a motorcycle without insurance. However, you cannot register a motorcycle under your ownership or ride it legally without having an active motorcycle insurance policy in Texas.